Federal credit union · LOCKPORT, New York · NCUA charter #17372
Lockport Schools & Community
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $26.3M
- Total assets
- 1,693
- Members
- 8.6%
- Net-worth ratio
Lockport Schools & Community scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $26.3M; members 1,693; net-worth ratio 8.59%; health rank #1,169 of 4,374; healthier than 73rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,169 of 4,374 health · 2025Q4Lockport Schools & Community · health 90/100 · $26.3M · 2025Q4
- MEM 90/100
- RANK 8.6%
- PHOTO 0.61%
- BOOK 0.50%
- CHARTER $26.3M
- NCUSIF 1,693
- CAMELS #1,169/4,374
- HEALTH AEGIS
- NW 17372
Call Report peers
Lockport Schools & Community in the assets neighbourhood
Lockport Schools & Community's $26.3M assets sit next to AEGIS ($26.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Lockport Schools & Community vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Lockport Schools & Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #17372, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Lockport Schools & Community diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 64.01% vs peer 59.80% (+4.21 pp).
- Net Worth Ratio trails the peer set - 8.59% here, 14.86% peer average (-6.27 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Lockport Schools & Community sits in New York
- In New York, health place is #63 of 272 on the same NCUA-ratio sort used nationally.
- New York assets place: #168 of 272.
- Membership ranks #188 of 272 among New York CUs with a reported count (1,693 members).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Lockport Schools & Community Call Report trajectory
Lockport Schools & Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.6% from $26.3M (2025Q4) to $26.4M (2026Q1).
- Net-worth ratio shifted +0.27 pp (8.32% → 8.59%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.59% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 26.5 pts
- Delinquency Rate 23.9 pts
- Return on Assets 15.0 pts
- Member Growth 10.7 pts
- Loan-to-Share Ratio 13.9 pts
Lockport Schools & Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.59% | -6.27 pp |
| Delinquency Rate | 0.61% | -0.54 pp |
| Return on Assets | 0.50% | -0.20 pp |
| Member Growth | 1.38% | - |
| Loan-to-Share Ratio | 64.01% | +4.21 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Lockport Schools & Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $26.4M | - |
| 2025Q4 | $26.3M | 1,693 |
| 2024Q4 | $24.5M | 1,670 |
| 2023Q4 | $24.5M | 1,625 |
Credit Union Details
- Charter Number
- 17372
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- LOCKPORT
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Lockport Schools & Community runs 2 offices.
| Office | City |
|---|---|
| Lockport Schools & Community FCU (Main Office) | Lockport, NY |
| Student Branch | Lockport, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
- OLEAN TEACHERS' AND POSTALOLEAN, NY · $10M–$50M87Health
- NY FIREFIGHTERS BRAVESTalbany, NY · $10M–$50M83Health
- TRI-LAKESSARANAC LAKE, NY · $10M–$50M87Health
- ALLEGANY FIRSTFillmore, NY · $10M–$50M80Health
- CANANDAIGUACANANDAIGUA, NY · $10M–$50M62Health
Compare Lockport Schools & Community vs OLEAN TEACHERS' AND POSTAL
Other-state peers near Lockport Schools & Community
Cross-state asset and health neighbours for Lockport Schools & Community - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($26.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- Lockport Schools & Community ranks #1,169 of 4,374 nationally on financial health and #63 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Olean Teachers' and Postal is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Olean Teachers' and Postal
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Lockport Schools & Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Lockport Schools & Community carries a financial health score of 90/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,169 of 4,374; by total assets it ranks #2,957 of 4,374 nationally (same basis as /rankings/largest); and #168 of 272 within New York. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.59% net worth ratio and a 0.61% delinquency rate.
How does Lockport Schools & Community compare to other credit unions?
On PlainCU's health composite, Lockport Schools & Community lands at 90/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Lockport Schools & Community?
Lockport Schools & Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Lockport Schools & Community directly for the exact boundaries and application steps.
Is my money safe at Lockport Schools & Community?
Federal credit unions like Lockport Schools & Community are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Lockport Schools & Community's net worth ratio of 8.59% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Lockport Schools & Community offer compared to banks?
Credit unions like Lockport Schools & Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Lockport Schools & Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.